Server-based product substantiation with local filtering system and method

ABSTRACT

A system and method is presented for product substantiation and promotion redemption. A purchased product list is transmitted from a retail store system to a promotion analysis server along with a user identifier. The promotion analysis server identifies promotions available to the user, and then considers whether the benefits under the promotions are still available to the user. Discounts for available promotions related to the purchased product list are calculated and transmitted to the retail store system for deduction from the transactions. An approved product list can be provided that filters the purchased product list before transmittal. The approved product list can include promotions from a plurality of programs.

RELATED APPLICATION

This application is a continuation of U.S. patent application Ser. No.13/835,372, filed Mar. 15, 2013, which in turn claimed the benefit ofProvisional Application No. 61/763,462, filed Feb. 11, 2013, both ofwhich are hereby incorporated in their entireties.

FIELD OF INVENTION

The present application relates to the field of product promotions. Moreparticularly, the described embodiments relate to a system and methodfor substantiated product purchases made during promotion redemptionusing a remote server and an approved product list.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a system diagram showing the primary components of oneembodiment of the present invention.

FIG. 2 is a flow chart showing a method to perform one embodiment of thepresent invention.

FIG. 3 is a table showing the components of an approved product list.

FIG. 4 is a schematic diagram showing the process of filtering purchasedproducts using an approved product list and rolling up products within agroup.

FIG. 5 is a flow chart showing a method to perform an embodiment of thepresent invention.

FIG. 6 is a system diagram showing the components of one embodiment of aserver computer including the content of the data maintained by theserver.

FIG. 7 is a schematic diagram showing the relationship between multipleprograms, groups, and promotions.

FIG. 8 is a schematic diagram showing the transmission of retailerspecific approved product lists to retailer store systems for twodifferent retailers.

FIG. 9 is a flow chart showing a method of updating an approved productlist at a store controller.

FIG. 10 is a flow chart showing a method for implementing an approvedproduct list.

FIG. 11 is a table showing the components of one embodiment of apromotion.

DETAILED DESCRIPTION FIG. 1: System Configuration and Overview

FIG. 1 shows a promotion management system 10 in which a server system100 communicates with a retail store system 130 over a networkconnection 160. The server system 100 is shown consisting of an approvedproduct list (or “APL”) server 110 and a promotion analysis server 120,each of which may take the form of one or more computer systems.Similarly, the retail store system 130 traditionally takes the form atleast one store terminal 140 and a store controller 150. The terminal140 may be a point of sale or electronic cash register (POS/ECR)computer system that processes products or other items 142 provided forpurchase by a consumer. The store controller 150 communicates with eachof the terminals 140 within a retail store environment, and may also beresponsible for managing external communication such as over network160.

In the system 10, the APL server 110 is responsible for developing alist of approved products for which promotions are managed by the serversystem 100. This list is preferably created with help of a database 115.The approved product list (APL) is then transmitted to the retail storesystem 130 over the network 160 and saved as APL 152. A user presentstheir selected products 142 for purchase at the terminal, and alsopresents a user card 144. Based on an identifier on the user card 144,the retail store system 130 (in either the terminal 140 or the storecontroller 150) determines which products in the APL 152 are relevantfor the consumer presenting the card 144. The products 142 presented forpurchase are then compared against this portion of the APL 152 to createa filtered list of products being purchased that are potentiallyeligible for discounts. This list is then sent by the retail storesystem 130 along with a user identifier (such as a card ID found on theuser card 144) to the promotion analysis server 120.

The promotion analysis server 120 then examines the database 115 todetermine the benefits that are still available for that identifieduser. If benefits remain for the products purchased 142, the promotionalanalysis server will calculate the available discounts and update theavailable benefits in the database 115. The calculated discounts arethen transmitted over the network 160 to the retail store system 130,where they are then applied to the purchase price of the products 142.The server system 100 then uses the discount calculated to debitaccounts owned by the sponsors of the promotions, and credit the accountof the retailer that owns the retail store system 130. In oneembodiment, either or both of the credit and debit transactions can takeplace over the ACH network 122 accessed by the server system 100. Notethat the actions of the APL server 110 and the promotion analysis server120 need not be performed on physically distinct computer systems, norneed the terminal 140 and store controller 150 be physically distinctsystems.

FIG. 2: Overall Method

FIG. 2 shows a method 200 that can be used to manage promotions andprograms using system 10. A promotion generally takes the form of adiscount on an item. Some example promotions that can be supported bythe system 10 include:

-   -   1) $1.00 off a particular product,    -   2) 20% off of any product sold under a common brand,    -   3) a buy one get one free promotion for a product,    -   4) $5.00 stored value credit for any product in a particular        category or product group (such as fruits and vegetables), or    -   5) 25% off any item in a product group, up to a maximum benefit        of $50 per month.        More detail on the possible promotions can be found in Table I        of this disclosure.

A program is a set of promotions provided to users. A fuller descriptionof programs is provided below in connection with FIG. 7. For example, anemployer may provide employees with a promotion to promote healthyeating by creating a program with a variety of promotions for healthyfoods. The employer can fund some of these promotions, and then seekpartners to pay for others of the promotions in the program (or theadministrator of the system 100 could assist in finding partners). Ahealth food brand may agree to pay for a 5% discount on all of theirproducts, while a vitamin brand may agree to provide $1 off any purchaseof at least $10 of their vitamins. The employer would provide a card forthis promotion to their employees that they can use at a variety ofretail stores.

While the card is accepted and redeemable at many different retailers,the employer may be able to convince one or more of the retailers to addtheir own promotion to the program. For instance, a first retailer mayagree to provide an additional 5% off of fruits and vegetables, while asecond retailer may agree to a $5 discount off of any purchase made fromtheir organic food department that exceed $50. A third retailer mayrefuse to participate in the program at any level.

Approved product lists are generated on a retailer-by-retailer basis.This means that in order to generate an APL in method 200, the APLserver 110 must identify all of the general promotions that make up aprogram in step 202, and then identify any retailer-specific promotionsthat the retailer has agreed to add to this program in step 204. Onceall the general and retailer-specific promotions are identified for aprogram, the APL server 110 will generate a list of products that arecovered by these promotions. This list of products is the approvedproduct list for that program, and is created in step 206. In thepreferred embodiment, the server system 100 can handle a plurality ofprograms created by a plurality of program sponsors. If additionalapproved product lists need to be created for additional programs, asdetermined by step 208, the method returns to step 202 for the nextprogram. If the approved product lists for all programs have beencreated, then these APLs are combined in step 210 and sent to theretailer store system 130 in step 212. Of course, because this combinedAPL includes products covered by retailer specific promotions in theprograms, a different APL will be sent out to different retailers. Moredetail on the content and format of an APL is described below inconnection with FIGS. 3 and 8.

Step 220 is shown on the right side of FIG. 2, as are steps 222-230 andsteps 260-262, which indicates that in one embodiment these steps takeplace on the retail store system 130. Steps 202-212 and 240-248 are onthe left side of FIG. 2, and in this embodiment are performed on theserver system 100. At step 220, the terminal 140 reads a user card 144.In some embodiments, the terminal 140 will verify that the card 144 isvalid, such as by comparing expiration data found on the card 144 withthe current date maintained by the terminal 140. In the preferredembodiment, the terminal 140 reads both a user identifier and a programidentifier from the card 144. The program identifier is read at step222, and is used to identify at step 224 those products on the APLreceived by the retail store system 130 that are applicable to theprogram of which the user is a member. To speed up this process, the APLcould be formatted in a binary-keyed format. Alternatively, the APLcould reside on the controller 150 in ASCII format. At step 226, theterminal 130 examines the products 142 being purchased by the user, andthen filters those products against the relevant product identifiers inthe APL for the user's program. A primary lookup is performed based on aUniversal Product Code (UPC) or Price Lookup Code (PLU) that identifiesa particular product. In other words, if a user purchased wine, beer,and organic granola, and the promotions in the program only apply to theorganic granola, the filtering step 226 allow through only the productidentifier for the granola. If the promotion applies to an entiredepartment as opposed to a particular product, a secondary lookup isperformed based on the indicated department.

In some cases, the APL for a program may include product groups, whichare explained in more detail below in connection with FIG. 4. If some ofthe products purchased by the user and filtered in step 226 are part ofa product group in the APL, those products will be totaled together as asingle item in the filtered list of products in step 228. This filteredlist of products is then submitted along with the user ID by thecontroller 150 over the network 160 to the promotion analysis server120. In some cases, the program ID may also be transmitted.

As described below in connection with FIG. 7, a particular program maybe divided into groups. If the program identified by the card 144 isdivided into groups, the user identifier received along with thefiltered product list will be used to identify which group in theprogram is assigned to the user. This is done because some groups in aprogram have specific promotions assigned to it that are not assigned toother groups in the same program. Once the group is identified in step240, the applicable promotions for the user are determined in step 242.This step 242 involves two steps. First, the relevant promotion orpromotions for each item in the filtered list received from the retailstore system 130 must be identified. In the second step, the database115 is referenced to determine whether or not the user has benefitsavailable to him or her for each promotion. For example, a promotion mayprovide for 20% off of fruits and vegetables, with a maximum discount of$10 in any calendar month. The database 115 will track how much of this$10 maximum discount is left for this user in this month. If only $2remain of this maximum, the method 200 will only grant the user at most$2 for this promotion. This particular benefit would then beautomatically reset at the beginning of the next month.

At step 244, those promotions that are available to the user are thenapplied to the filtered product list and discounts for each promotionare calculated. If more than one promotion applies to a particularproduct on the filtered product list, the promotion analysis server 120will use a consistent rule set to determine the order in which thepromotion is applied. For instance, a percentage discount may be appliedfirst, then a buy-one, get-one discount, and then a stored value creditwould be applied.

In one embodiment, a multi-pass discount rule is applied in step 244. Inthis exemplary embodiment, a particular product is allowed to receiveonly one discount per pass, but may receive a separate discount in eachpass, if available. On the first pass, standard discounts available atthe product level and department level are calculated. A maximumavailable discount is applied to each item. For example, if a singleproduct is eligible to receive either $1.00 off the product or 10% offthe product, the greater discount will be applied. On the second pass,special department-level discounts may be applied. For example, anadditional discount on all products in a selected product group could beapplied. In one embodiment, discounts that apply to fresh fruits andvegetables as a department are applied on the second pass. On the thirdpass, special department-level rewards are applied. These rewards maystored-value rewards, in which a user can spend up to a monthly limit ona particular department of goods. This third pass can again be limitedto a particular department, such as fresh fruits and vegetables. On afourth pass, standard stored-value rewards can applied that relate toall purchases and not just the special department singled out for thethird pass. It is within the scope of the current disclosure to usealternative discount rules as required for different business processes.

The discounts applied are then saved in the database 115 at step 246,thereby updating the benefits available to the user for the nextpurchase transaction. The various discounts (promotions) that have beenapplied to the filtered product list are then returned to the retailstore system 130 in step 248.

At step 260, the store controller 150 or terminal 140 then applies thediscounts to the purchase transaction and updates the total amount duefor the purchase in step 260. Preferably, the discounts and how theywere applied are printed on the customer receipt in step 262.

FIG. 3: APL Contents

FIG. 3 shows the contents of an approved product list 300 in the form ofa table. The APL 300 contains a plurality of records, starting with aheader record and ending with a trailer record with a plurality ofdetail records in between. Each record consists of several fields thatvary depending on the record type. The detail records contain the actuallist of approved products, and are therefore described in more detailherein—one of skill in the art could easily identify the contents andpurposes of the fields in the header and trailer records.

A detail record identifies itself as a detail record in the record typefield, and maintains a count of detail records in the record sequencefield. Each detail record will identify a product or retailer departmentas belonging to a particular program. Consequently, each detail recordcontains a program code field to identify a program, and a product codedata field to identify a particular product or department. As shown inFIG. 3, the first digit of the product code identifies whether theproduct code contains a universal product code (UPC or Price Lookup Code(PLU) (when the first digit is a 0), or a department code (when thefirst digit is a 2). Each retailer uses different codes to identifytheir departments. For example, one retailer may identify fruits andvegetables as department 10001, and deli items as department 10002,while another retailer may use a different numbering scheme. This meansthat the server system 100 must have knowledge of the actual departmentnumbering scheme used by the retailers that support the system 10 inorder to provide department level promotions.

The product group code field, if used in a record, identifies aparticular product as belonging to a product group. The product groupcode can be used to consolidate multiple different products into asingle entry in the filtered list provided by the retail store system130. The type code field identifies a particular product as belonging toa special select product group. The type code field is used to help theserver system 100 apply special additional discounts and rewards. In oneembodiment, the type code is used to indicate that the second and thirdpass of the multi-pass discount rule applies to this product. The typecode is included with the filtered product list that is sent from theretail store system 130 to the server system 100. A single product mayhave both a product group code and a type code. The authorization typefield allows for partial functionality of the server system 100 (such assubstantiation only and no discount calculation at the server system100), while the settlement code field allows for communication from theserver system 100 to the retail store system 130 concerning how paymentfor each discount will be handled.

FIG. 4: Filtering Example

FIG. 4 provides an example how an approved product list 420 can be usedto filter product purchase data 440 into a filtered product list 460 andeventually a filtered product list with group rollup 480. In thisexample, a user card 400 is presented that contains a program ID of“001”. The APL 420 received by the retail store system 130 from theserver system 100 is consulted to identify those data records thatrelate to this program 001. In FIG. 4, data records 000001 to 000011relate to program 001, while data records 000011 to 000016 relate toprogram 002. The identification of relevant promotions in the APL 420based on the program ID on the card 400 can be referred to as theprogram match, as indicated by arrow 410. Note that data records000001-000010 relate to particular product UPC or PLU codes and notdepartments, as in each case the product code field starts with thenumeral 0. Data record 000011 relates to a department code, because theproduct code field starts with the numeral 2. The department productcode after the numeral 2 (and after the leading zeros) is “D06.” Thisdata record 000011 also designates that group code as D06. Four of theproduct codes are part of group F11001. In addition, three of the codeshave a type code value of FPF and one has a type code value of RWD. Thetype code values FPF and RWD indicate that the corresponding productsbelong to a special select product group that may be eligible forspecial additional discounts.

The eleven relevant promotions in the APL 420 are then used to filterall of the items purchased by the user. The scanned UPCs for purchasedproducts 142 are shown in table 440, which includes a product identifier(UPC or PLU), a department code, a quantity, a purchase price, and adiscount that has already been applied to this product by the terminal140. These already-applied discounts are not related to promotionsmanaged by system 10, and may include, for example, paper couponspresented by the user at the terminal 140. In step 430 the product codesof the relevant promotions in APL 420 are matched against the scannedproduct codes in transaction product data table 440. Product datafiltering occurs at product-level filtering 450 and department-levelfiltering 455. The primary product-level filtering 450 matches scannedUPCs in table 440 to product codes in APL 420. The secondarydepartment-level filtering 455 matches a department code in table 440 toa department product code in APL 420. The resulting filtered productlist 460 indicates those products that were purchased by the consumerfor which promotions are being maintained by the system 10 for program001. The list 460 includes not only the product identifiers, but alsothe department code, purchase price, purchase quantity, and thepreviously-applied discounts. The process 450 includes rolling upmultiple entries of a single product identifier in the transactionproduct data 440 into a single row of the filtered product list 460,which indicates the total quantity and price paid for all of the items.

Two of the products in the filtered products list 460 are part of groupF11001. These group members are combined in group rollup step 470, andput into a single entry discount request table 480 having the groupidentifier F11001 as the product code. The department rollup 475combines the filtered department 06 group members into a single entry intable 480. The discount request table 480 contains a product or groupcode, a type code, a purchase price, a purchase quantity, andpreviously-applied discounts. The discount request data table 480 issent to the server system in step 230, described above.

Notably, the filtered product list 480 is the complete set ofinformation that is shared with the server system 100. The transactionproduct data 440, containing a record of all products purchased in thetransaction, is not passed to the server system 100. This isadvantageous for retailers who wish to keep secret the valuable businessanalytic data from customer transactions.

The server system 100 receives the table 480 and performs the processesdescribed in connection with steps 240-248 in FIG. 2. The table 490 ofFIG. 4 represents the data that the server 100 sends back to the retailstore system 130 in step 248. The discount response table includes theproduct or group code, a product type, the purchase price, the purchasequantity, a total discount, a discount type (P, T, X, or Y), and anabbreviated description of the discount applied. The “FPF” entry in theproduct code column of table 490 indicates that a special additionaldiscount was applied. These discounts are then used by the retailer tocalculate the total price for the purchase.

The discount types X and Y represent discounts sponsored by the retailerprocessing the transaction. Discount types P and T refer to discountssponsored by outside sources such as product manufacturers, employers,insurance companies, or other entities providing discounts. Whencalculating sales tax on a customer's purchase, the retailer-sponsoreddiscounts X and Y are treated as a price reduction, but the outsidediscounts P and T are treated as tender. The X and Y discounts are nottaxed, but the P and T discounts are taxed. In this way, the burden ofdetermining taxable and non-taxable discounts is shifted from theretailer to the system server 100.

FIG. 5: Alternative Method Description

The method 500 of FIG. 5 presents an alternative understanding of oneembodiment of the present invention. In FIG. 5, steps on the left handside are performed at or for the retail store server 130, and steps onthe right hand side are performed at or for the server system 100. Themethod 500 starts at step 502 with the reading of a bar code presentedby the user. It is highly preferable to read a bar code at a retailstore terminal 140 rather than a magnetic stripe, as almost allretailers provide only a single magnetic stripe reader at a terminal.This terminal is generally configured to read credit card and debit cardnumbers from the mag stripe on credit or debit cards, and to sendtransaction and card number information into proprietary, third partypayment networks. It is exceedingly difficult to program additionalfunctionality into magnetic stripe readers given the relatively closednature of the system. Furthermore, it is very difficult to use data fromthe magnetic stripe readers outside of the third party payment networks,which typically will charge other parties a per-transaction fee toreceive and send data through their network. By optically reading a barcode provided by the user, these difficulties can generally be avoided.

Note that the bar code could be found on a program card, such as card144. In other embodiments, an app is provided to a user smart phone thatallows users to view and maintain some of the information about them andtheir benefits saved in the data 115 maintained by server system 100.This app is preferably configured to display a bar code on the screen ofthe smart phone that can be read by the bar code reader attached to theterminal 140. In other embodiments, a wireless transmitter (such as anNFC or RFID transmitter) on the smart phone will transmit to a receiveron the terminal 140 the same information that is provided via the barcode. In particular, the bar code or wirelessly transmitted informationshould provide at least a user identifier, but it may also provide aprogram identifier.

At step 504, the retail store system 130 creates a list of purchasedproducts, and then sends that information to the server system 100 instep 506 along with the user ID. It may not be necessary to filter thepurchased products using an approved product list if the communicationspeed over the network is sufficiently fast. In one embodiment, allpurchase data is transmitted to the server system 100. Because themagnetic stripe reader is not utilized, it is not necessary to send thisinformation over a dedicated payment network. In one embodiment, avirtual private network between the server system 100 and the retailstore system 130 is created over the Internet 160 to ensure fast,direct, and secure communications between these systems 100, 130.

At step 520, the server system 100 identifies promotions available forthe user based on the transmitted user identifier. The server system 100may also use an identifier of the retail store system 130 sent at step506 to identify promotions that are available only at that retailer.Those promotions are then matched up against the purchased products instep 522. The server system 100 also determines whether or not the userhas benefits available under each promotion. For instance, a buy one/getone promotion may be usable only once per calendar month, and the serversystem 100 will determine whether the user has taken advantage of thepromotion in the current month before applying the promotion to thepurchased products. In step 524, the server system 100 determines that aparticular promotion has a purchase requirement, such as buying allthree flavors of a product before offering $2.00 off on a new flavor. Inthe current system, all purchases of these products, including both thetriggering flavors and the discounted new flavor, are tracked by theserver system 100. This allows purchases made in previous transactions,even transactions made on a different date, to be used by the serversystem 100 to determine whether the reward discount has been earned. Inone embodiment, these purchases can even be made at different, unrelatedretailers, allowing a customer to earn a reward by purchasing productsat one retailer, and then redeeming the promotional reward as part of apurchase at another retailer.

At step 526, the server system 100 identifies a plurality of promotionsthat are available to the user for a purchase of a single product in atransaction. For instance, an employer could offer a 10% discount on allwhole grain cereals, while the cereal manufacturer may provide a buy onebox, get a second box free promotion on their whole grain cereals. Theserver system 100 uses a rule set to determine the order in which thepromotions are applied and then applies both promotions to the purchase.In this case, the promotions are provided by different sponsors (theemployer and the cereal manufacturer), both of who will reimburse theretailer for providing the discount to the user. The method 500 providesa very powerful way to apply multiple promotions, because multiplediscounts of different types (percent discount vs. buy one/get one vs.dollar discounts vs. reward discounts for past behaviors) can be appliedto a single purchase, even where those different discounts havecompletely different paying sponsors. In one embodiment, in step 526 theserver system 100 executes a rule set with multi-pass discounts asdescribed above in relation to step 244 of FIG. 2.

At step 528, all discounts that apply to the purchased products arecalculated and identified in a communication to the retail store system130. At step 540, the store system 130 applies the discount to thepurchased products 540. In one embodiment, once the transaction iscomplete a verification signal is sent to the server system 100 at step542 to indicate that the transaction is complete and the discounts havebeen given to the user. This communication informs the server system 100that reimbursement for the discount should be provided to the retailer.This confirmation message 542 is required because it is always possiblethat the user will cancel part or all of the purchase transaction afterthe discount has been calculated and sent by the server system 100 atstep 528. If the user cancels the transaction, then it is inappropriateto reimburse the retailer for the discount provided. When the serversystem 100 receives this verification, the data concerning the provideddiscounts are saved in the database 115 at step 560 so that the usercannot reuse promotions beyond what was intended.

At step 562, the server system 100 determines the sponsor for each ofthe promotions applied to this transaction, and also determines afinancial account for each transaction. In the example above, theemployer is the sponsor for the 10% discount promotion; while the cerealmanufacturer is the sponsor for the buy one, get one promotion. In step564, an account for the sponsor of each of the applied promotions isdebited to pay for the discount provided to the user. As indicated atstep 566, the system 10 can be designed to have sponsors establish afinancial account that contains funds that are used to pay for thepromotions that they are sponsoring. As a result, the system 10 can beassured that the money to pay for the promotions is immediatelyavailable upon debiting the account at step 564. At step 568, the serversystem 100 provides a credit for a retailer account equal to theprovided discounts. This credit could be provided by submitting arequest for payment to the retailer account from a promotion sponsoraccount managed by the system 10 through the ACH network 122.

If a promotion is sponsored by the retailer itself, no payment needs tobe made to the retailer for that promotion. Instead, an accounting ofall redeemed retailer-sponsored promotions is provided to the retailer.The retailer can use this data to charge the promotion to a particulardepartment (e.g., to charge a discount on apples to the producedepartment). The retailer can also use the promotion use data forbusiness analytics.

As an alternative to the verification transmission 542, the system 10can be designed to automatically provide reimbursement to the retaileronce the discounts are sent to the retail store system 100 in step 528.In this alternatively embodiment, the retail store server 130 would beresponsible for sending a cancel message if the user canceled thetransaction before being granted the discount. If the cancel messagewere to be received, the automatic reimbursement transfer would have tobe reversed. By delaying steps 564 and 568 for a predetermined timeperiod after sending the discount information in step 528, it should bepossible to greatly reduce the number of financial transfers that wouldhave to be reversed. The same could be done with the database update instep 560, although reversing a database change would involve fewerdifficulties than reversing financial transactions.

Note that steps found in method 500 can be added to method 200, and viceversa, as desired. For instance, it is contemplated that steps 524, 526,542, and 560-568 could be added to method 200 without difficulty.

FIG. 6: Computing Configuration and Database

FIG. 6 shows an embodiment of the server system 100 in which a singleserver computer 600 operates as both the APL server 110 and thepromotion analysis server 120. The server computer 600 includes anetwork interface 610 designed to provide communications with remotedevices over a network 612. In one embodiment, the network 612 is theInternet, and the network interface 610 includes TCP/IP protocol stacksfor communicating over the network 612. The network interface 610 mayconnect to the network 612 wirelessly or through a physical wiredconnection. The server computer 600 further includes a programmabledigital processor 620 designed to operate programming code stored on amemory 630. The processor 620 is preferably a general purpose CPU suchas those manufactured by Intel Corporation (Mountain View, Calif.) orAdvanced Micro Devices, Inc. (Sunnyvale, Calif.). Memory 630 preferablyincludes a non-volatile, non-transitory, computer readable medium suchas a hard drive or flash memory device. Software instructions 632, 634,and 636 found on the memory 630 instruct the processor 620 how toperform the methods of the present invention, including the methods 200,500 set forth in FIGS. 2 and 5 above. More specifically, the operatingsystem instructions 632 perform OS management functions that allow theserver computer 600 to operate while the APL generation software 634allows the server computer 600 to operate as the APL server 110.Similarly, the promotion analysis software 636 allows the servercomputer 600 to operate as the promotion analysis server 120. To improveefficiency, the processor 620 may load software instructions 632, 634,636 from non-transitory portions of memory 120 into a faster butvolatile RAM portion of the memory 120. Data 640 operated upon by theprocessor 620 can also be stored in non-volatile memory and retrievedinto RAM for analysis, recording, and reporting.

The construction of the terminal 140 and store controller 150 is similarto the server computer 600 in that each device contains a processor 620and programming instructions 632-636 on memory 630 that instruct theprocessor 620 on how to perform the methods of the present invention. Asexplained above, any of these devices 110, 120, 140, 150, 600 couldeasily be implemented as multiple physical computing devices operatingtogether to perform the functions provided in the software.

In the preferred embodiment, the data used by the server computer 600 isstored in a database 640 managed by processor 620 under softwareprogramming instructions 634, 636. The database 640 can store data inpre-defined fields in a database table or as database objects in anobject-oriented database environment. FIG. 6 shows the database 640 withtables or objects for programs 642, promotions 644, products 646,sponsors 648, groups 650, households 652, benefits 654, members 656,cards 658, transactions 660, transaction items 662, retailer locations664, and retailers 666. The database 640 tracks relationships betweeneach of the data entities 642-666, which are shown using crow's footnotation between the entities in FIG. 6. For instance, FIG. 6 shows thata single program 642 can be associated with a plurality of promotions644. As shown in FIG. 6, it is possible to define promotions 644 for aplurality of products 646. For example, a promotion could provide $4 offrozen vegetables of an identified brand every month. This wouldconstitute a single promotion 644, but could apply to a great manyproducts 646. The products 646 to which the promotions 644 apply can bedefined by a product number, but can also be defined by a departmentnumber, in which case all products in the particular department areincluded in the promotion 644. Once the promotion 644 was used on any ofthose products 646, it would be unavailable for any of the products 646until the next month. Each promotion 646 defines a specific discount,such as 10% off an item. Each promotion 646 also includes the purchaserequirements that must be met for the promotion 646 to be applied.Promotions 646 can also define a date range during which the promotion646 is valid. FIG. 11, described below, shows one embodiment fordefining discounts for the promotion 646.

In FIG. 6, each program 642 is associated with one or more groups 650,which are described in more detail in connection with FIG. 7. In manycases, the promotions 644 are associated directly with a program 642,but it is possible to assign promotions 644 directly to a group 650 asshown by the dotted crows foot notation 670. Households 652 are assigneddirectly to groups 650, with each household 652 being assigned to asingle group 650 in a program 642. Benefits 654 are tracked at thehousehold level 652 and are associated with promotions 644. When ahousehold 652 uses a promotion 644, such as $4 of frozen vegetablesevery month, the benefit table or object 654 tracks this use. When step242 determines available promotions for the user in method 200, thebenefits 654 for the user's household 652 are consulted along with theavailable promotions 644 for the user's group 650 and program 642. It ispossible to implement the benefit table 654 with effective start and enddates. To determine whether the user has used up an available promotionfor the current time period, the start and end dates will be examined.For example, a user may wish to take advantage of the $4 of free frozenvegetables. If they had not used this promotion this month, no benefitrecord 654 would have been created for the promotion 644 that isrelevant to the current time period. This would indicate that the userhas used none of the benefit 654. A benefit record 654 can then becreated with the appropriate start and end date (such as the beginningand end of the current month), and the record can indicate the totalquantity available for this promotion (such as 4 for four dollars). Ifthe user purchased only $2.39 of frozen vegetables, the benefit record654 would record that usage. If another attempt to purchase frozenvegetables were made that month, the benefit record 654 would berecalled, and the vegetables could then be discounted the $1.61remaining in the promotion for this month. The benefit record 654 wouldthen be updated to indicate that the user had used the entire $4.

Benefits 654 are tracked at a household level 652, which may includemultiple (family) members 656. Each member 656 would typically be issueda single card 658, although the issuance of replacement cards 658 wouldmean that multiple cards 658 could be associated in the database 640with each member 656. This organization of the database 640 allows thepurchasing behavior of each family member 656 to be tracked whileensuring that promotions 644 in the program 642 are provided on ahousehold-by-household basis.

When a retail store system 130 submits a list of purchased products tothe server system 100 (step 230 or 506), a new transaction record 660 iscreated. The transaction record 660 indicates when (date and time) andwhere (retail location 664 and terminal identifier) the transaction tookplace. The transaction record 660 also indicates which card 658 was usedin the transaction to allow easy identification of the member 656 andhousehold 652 that made the transaction. A plurality of transactionitems 662 are associated with each transaction 660, with eachtransaction item 662 tracking the purchase of a product 646 under apromotion 644. The transaction item 662 is also associated with a singlebenefit 654 record, indicating that the benefit record 654 was createdor modified as a result of this transaction item 662 (or that thebenefit was used up and no discount was provided for this transactionitem 662). In one embodiment, the receipt of a filtered list with fourentries (such as list 480) by the server system 100 would trigger thecreation of one transaction record 660 and a plurality of transactionitems 662 (assuming the user was otherwise eligible for all fourpromotions). Some entries in the list may create zero transaction itemrecords 662 (where the user was not eligible for any promotion on thatproduct), while other entries may create one or more transaction itemrecords 662 (depending on the number of eligible promotions that applyto that product).

Each retailer location 664 is likely associated with a plurality oftransactions 660 but only a single retailer 666. While some retailers666 have an only a single location 664, the database 640 allows multipleretailer locations 664 to be identified as belonging to a singleretailer 666. As described above, it is possible that some promotions664 are defined to be associated with only a single retailer 666. Thisis shown in FIG. 6 as dotted association 672, and described in moredetail below.

FIG. 6 should not be taken to indicate that the data entities 642-666 insystem database 640 need to be implemented exactly as shown, with eachentity 642-666 in the Figure implemented as a single database table orobject. Rather, FIG. 6 merely indicates that one or more databaseentities are created within database 640 to track this information. Itis well within the scope of the prior art to implement this type of datausing a variety of entity architectures.

FIGS. 7 and 8: Structure of Programs and Groups, and Retailer SpecificAPLs

FIG. 7 shows schematically the relationship between programs 642,promotions 644, and groups 650. The first program 700 is designed toprovide a plurality of promotions to users. The first program 700 mightbe created by a large entity, such as a health insurance provider, andthe users of the program might be insureds that receive insurance fromthat provider. The health insurance provider agrees to provide a set ofpromotions 710 in its program 700 to its insureds. The insurance companythen encourages each of the employers that provide the health insuranceto their employees to add additional benefits to the plan. Eachdifferent employer would create a different group within the firstprogram 700 and provide additional promotions to its employees. In FIG.7, a first employer creates a first group 730 and establishes firstgroup promotions 732 for its employees, while a second employer createsa second group 740 and establishes second group promotions 742 for itsemployees. In addition, the insurance company may approach a variety ofretailers to see if they wish to encourage use of these promotions attheir retail establishment by providing their own promotions. In FIG. 7,one retailer has agreed to sponsor multiple retailer specific promotions720.

Another entity (such as a government agency providing benefits tocitizens) could establish a second program 750 with second programpromotions 760, and then establish a third group 770 with third grouppromotions and a fourth group 780 with fourth group promotions 782. Someof the users of the second program 750 do not qualify for any additionalprograms other than the second program promotions 760. To ensure thatall users are assigned to a group 650 within a program 642 in database640, a fifth group 790 is established that has no group specificpromotions 644.

Users are associated with one of the groups 730, 740, 770, or 780. Allof the insureds of the insurance company that established the firstprogram 700 would receive identification (such as cards 144, 400 or amobile device app) that identifies the first program 700 to the retailstore system 130. This allows the retail store system 130 to identifywhich promotions on an APL 300 might relate to the user. The list ofpromotions in the APL 300 may include promotions for all groups 730, 740in the first program 700 even though the user belongs only to a singlegroup. The server system 100 would identify which group 730, 740 isassociated with the user by determining the household 652 and group 650in the database 640, and then identify all the promotions currentlyavailable for the user. For example, a user in the first group 730 wouldbe eligible for the first program promotions 710 and the first grouppromotions 732 but not the second group promotions 742 or any of thepromotions 760, 772, 782 associated with the second program 750. If thisuser shops at the correct retailer, they would also be eligible for theretailer specific promotions 720.

All of the non-retailer specific promotions 710, 732, 742, 760, 772, 782in all of the programs 700, 750 are provided to all retailersparticipating in the system 10 in a single approved product list 300.Any retailer that has retailer specific promotions 720 in any of theprograms 700, 750 will receive a customized approved product list 300that includes their retailer specific promotions 720 in the programs700, 750. This is seen in FIG. 8, where a server 800 provides a firstversion of an APL 840 for a first retailer 820, and a second version ofan APL 860 to a second retailer 830. The server 800 may also provide theretailers 820 and 830 with additional APLs 841, 861 to be implemented bythe retailers 820, 830 on a predetermined future date. The APL 840 forthe first retailer 820 includes promotions 842 specific to the firstretailer 820 as well as the promotions in the first program 850 and thesecond program 852. The APL for the second retailer 860 includespromotions 862 specific to the second retailer 830 as well as thepromotions in the first program 850 and the second program 852.Furthermore, the APL 840 for the first retailer 820 is provided to allthe retail store systems 822, 824, 826 operated by the first retailer820, while the APL 860 for the second retailer 830 is provided to allthe retail store systems 832, 834, 836 operated by the second retailer830.

One embodiment of the present invention requires the communications fromthe first retailer 820 to include a first merchant identifier andcommunications from the second retailer 830 to include a second merchantidentifier. These merchant identifiers allow the server system 800 toidentify the retailer 820, 830 from which it is receiving thecommunication. This allows the server system 800 to provide the correctAPLs 840, 841 or 860, 861 to the retailer's store systems 822, 824, 826and 832, 834, 836.

FIG. 9: Method for Updating APLs

In the preferred embodiment, the APLs 840, 841 and 860, 861 are providedto the retail store systems 822-826 and 832-836 in a regular manner,such as by the method 900 set forth in FIG. 9. In FIG. 9, the steps thatappear on the left side of the page indicate that the steps areperformed at a retail store system such as retail store system 822. Thesteps that appear on the right side of the page indicate that the stepsare performed at the server system 800. The method 900 can be used atany of the retail store systems of FIG. 8.

In the flow chart of FIG. 9, a “Current List” refers to APL 840, whichis actively used by retail system 822 between a particular start dateand end date. A “Next List” refers to APL 841, which is saved at theretail system 822 to be implemented at a predetermined future startdate.

Each APL in the system of FIG. 8 has a version designation containinginformation regarding an implementation date and a version number forthat particular APL. In one embodiment, the date and version number arepresented as a combined a 3-digit date (day-in-the-year) and a 3-digitsequence number, starting at 001. Thus, a version designation for an APLimplemented on January 31 would be designated “031001.” If an APL forJanuary 31 needs to be updated, for example if an error needs to becorrected or new promotions added, a new version of the APL would bedesignated “031002.” In FIG. 9, “Current Version” refers to the versiondesignation data of APL 840, and “Next Version” refers to the versiondesignation data of APL 841.

As explained above, a connection between retail system 822 and serversystem 800 can be made through a VPN connection over the Internet.Rather than just downloading the current APL, the retail system 822downloads at least two APLs to be used for transactions at the retailsystem 822. If the APLs are updated daily, then it will be necessary togenerate all APLs at least two days in advance so that the next two APLswill be ready for downloading when requested by the retail system 822.

In step 910, a retail system 822 receives a Current List 840, a NextList 841, or both from the server system 800. The retail system 822 thensaves the lists 840, 841 locally. List 840 will be used for currenttransactions, while the list 841 will be saved and implemented on afuture date indicated by the version designation data of list 841.

In step 920, the retail system 822 sends includes the Current Versiondata for APL 840 and Next Version data for APL 841 (e.g., “031001” and“038001”) in a message communication to the server 800. The CurrentVersion and Next Version may be included in a data field of the messageheader. For example, the messages of step 920 may be communications tothe server 800 for discount authorization, confirmation, orcancellation. The message may also be a “heartbeat” message sent fromthe retail system 822 to the server system 800 every 10 minutes if noother communications occur.

In step 930 the server system 800 receives the message and reads theCurrent Version and Next Version. If there have been no changes to theAPLs 840, 841, the server 800 does not take any additional action. Inone embodiment, the message headers for communications sent from theserver system 800 to the retail store 820 could also contain CurrentVersion and Next Version data, which would act as a confirmation of theCurrent Version and Next Version data. Most frequently, the Next Versiondata will change when the server system 800 generates a new APL to beimplemented in the future. This will preferably occur during off-peakhours, such as between midnight and 3:00 AM.

If the server system 800 has made any changes in the APL 840 or the APL841, the updated APLs will have new version designations. In this case,in step 940 the server system 800 will send the correct Current Versionand Next Version data to the retail system 822. In step 950 the retailsystem 822 receives the corrected Current Version and Next Version dataand stores the data.

In step 960, based on the corrected Current Version and Next Versiondata, the retail system 822 determines that one or both of the APLs 840,841 are out of date. The retail system 822 then sends a request todownload the new APL. For example, if the APL 840 Current Version datais updated from “031001” to “031002,” the retail system 822 will requestthe server system 800 to send an updated APL version 031002, which willbe saved as the Current List 840. In step 970 the server system 800sends the requested list or lists to the retail system 822. After step970, the method 900 returns to step 910, where the updated Current List840 and Next List 841 are saved at the retail system 822. The method 900continues as a loop, with the retail system 822 sending the CurrentVersion and Next Version data to the server system 800 to continuallyverify that the APLs 840, 841 are the correct versions.

Method 900 allows the retail store system 822 to operate with thecorrect APL even when a network connection cannot be established. Itwould be a simple matter to alter method 900 to allow three APLs to bedownloaded at each connection to allow the retail store system 822 tosurvive two missed updates.

FIG. 10: Method for Choosing APL Version

In FIG. 10, a method 1000 is presented for determining an APL versionfor a retail store system 822. The method can be performed entirely atthe retail store system 822. The retail system 822 preferably has acurrent APL 840 and a next APL 841 saved at the retailer system 822.Each APL 840, 841 contains data indicating a time period during whichthe promotions in the APL 840, 841 are valid. At the beginning of themethod, the APL 840 is the Current List of promotions, and the APL 841is the Next List, to be implemented at a future date. In step 1010, thesystem determines whether the Next List 841 should be implemented. Thiscould be accomplished by reading expiration date information from theAPL 840, or by reading start date information from the APL 841. In oneembodiment, the retail system 822 could use the dates in Current Versionand Next Version data for the APLs 840, 841 to determine whether toimplement the Next List. For example, the Next List 841 may beimplemented at midnight on a date specified by the Next Version data.

After step 1010, in step 1020 the Next List is redefined to become theCurrent List. The APL 841 becomes the Current List and the APL 840becomes an expired list that will no longer be used by the retail system822. If the retail system 822 does not have any additional stored APLs,there will not be a Next List. In this case, the Next List is set tonull at step 1030. In one embodiment, after step 1030 the retail system822 may send a request to the server system 800 to download a Next List,if such a list is available.

FIG. 11: Promotion Definitions

FIG. 11 shows a table 1100 of data defining different promotions for aprogram. With reference to FIG. 6, the promotion definitions 644 may bestored in a database 640. Each individual promotion 644 containsdetailed information about the promotion. For example, an individualpromotion record 644 contains information about the product ordepartment to which the promotion applies, activation and expirationdates, the discount type, discount value, purchase requirements, theprogram or group receiving the promotion, the promotion sponsor, theretailers that will accept the promotion, and other such information aswill be described.

Each promotion 644 will be applied to at least one program 642. Apromotion 644 may apply to all members 646 in a program 642, or thepromotion 644 may only be available to members 646 who belong to aparticular group 650 within the program 642.

The promotion 644 must have a discount type, which may be either apercent discount or cents off discount. The discount type is associatedwith a discount value, such as 10% or $0.50. A percentage discount typemay also have an associated NTE (“not to exceed”) value that caps thedollar amount that the promotion 644 can provide to the member 656. Thediscount may also be associated with a maximum product price or “copay.”For example, the promotion 644 may offer a particular product 646 for$0.99. This “copay” is the maximum amount that the member 656 will becharged for the product 646.

Each promotion 644 is defines the benefits available for this promotion.The available benefits are defined by a benefit type (e.g., units ordollars) and a value that indicates either how many units the discountcan apply to (e.g., discount can be used on up to three units of aproduct), or a maximum dollar amount to apply (e.g., up to $5.00). Thebenefit available data also includes a duration, which may either be asingle transaction (i.e., the discount can only be used once), or a timeperiod during which the promotion 644 can be used many times. If thebenefit is available for a specified time period, the promotion 644 canbe used across multiple retailers 666 accepting the program 642. Theduration may also be a multiple number of uses, such as that theparticular promotion 644 can be used three times. When a customer uses apromotion 644, this use is stored in the benefit database entity 654 andcompared with the benefits available for the promotion 644 to see if thecustomer still applies for the promotion 644

The promotion 644 also includes purchase requirements that must be metto qualify for the promotion 644. The purchase requirements will includea product identifier or department identifier. A purchase requirementtype such as number of units or dollars is associated with a purchaserequirement value, for example 3 units, or $10.00. A purchaserequirement duration specifies the timing in which the promotion 644 isavailable. For example, if the purchase requirement duration is equal to“transaction,” the member 644 must fulfill all of the purchaserequirements in a single transaction in order to receive the promotiondiscount. Alternatively, the purchase duration could be a time period,which aligns with the assigned activation and expiration dates for thepromotion 644. In this case, a member 646 could fulfill a purchaserequirement over the time period and still receive the discount.

In one embodiment of the system, each product 646 associated with apromotion 644 is identified as a primary product or secondary product.This categorization is used if a promotion 644 has a purchaserequirement such as buying one type of item and receiving another typeof item for free. In this embodiment, a “secondary” product is definedas the product that must be purchased. For example, a promotion 644could support a “mix ‘n’ match” promotion where a member 656 must buy acertain number of “secondary” products, after which the member 656 canreceive a discount on a different “primary” product. For example, thiscould be implemented in a promotion 644 in which a member 656 must buythree boxes of a particular brand of cereal (i.e., “secondary”products), after which the member 656 receives a gallon of milk (i.e., a“primary” product) for free. If the purchase duration requirement is atime period, the member 656 may buy the secondary products during afirst transaction, and receive the discount on the primary productduring a subsequent transaction, which could be at the same retailer ora different retailer.

The system and methods described above are exemplary and are not theexclusive techniques for using the disclosed embodiments. Numerousmodifications and variations will readily occur to those skilled in theart. Because such modifications are possible, the invention is not to belimited to the exact construction and operation illustrated anddescribed. Rather, the present invention should be limited only by thefollowing claims.

What is claimed is:
 1. A method of discounting products during a retailtransaction comprising: a) at a server system, transmitting a first listof promoted products to a retail store system, the first list ofpromoted products containing product identifiers for the promotedproducts and, for at least two products, a common group identifier;wherein a first set of products have product identifiers that areassociated with the common group identifier, and wherein a second set ofproducts have product identifiers that are not associated with thecommon group identifier; b) at the server system, receiving from theretail store system a filtered list of products being purchased in asingle transaction at the retail store system that are filtered againstthe first list of promoted products, wherein the single transactionincludes products from the first set of products and from the second setof products, further wherein the filtered list of products includes anaggregated total for products purchased from the first set of productswithout identifying every product identifier for products purchased fromthe first set of products; further wherein the filtered list of productsseparately lists every product identifier for products purchased fromthe second set of products; c) at the server system, calculating anaggregated discount for the first set of products reported in thefiltered list of products, and separately calculating a discount foreach product in the second set of products reported in the filtered listof products; and d) at the server system, transmitting the calculatedaggregated discount and the separately calculated discounts to theretail store system.
 2. The method of claim 1, wherein the first list ofpromoted products has, for each product, a product identifier field tocontain the product identifier and a group identifier field to containthe group identifier.
 3. The method of claim 2, wherein the second setof products have an empty group identifier field.
 4. The method of 1,wherein the filtered list of products being purchased has an aggregatedquantity purchased value for all products purchased from the first setof products and a separate quantity purchased value for every productidentifier in the second set of products.
 5. The method of 4, whereinthe filtered list of products being purchased has an aggregated monetarypurchase amount for all products purchased from the first set ofproducts and a separate monetary purchase amount for every productidentifier in the second set of products.
 6. The method of 5, whereinthe filtered list of products being purchased has an aggregateddiscount-applied-at-retailer amount for all products purchased from thefirst set of products and a separate discount-applied-at-retailer amountfor every product identifier in the second set of products; furtherwherein the server system adjusts the calculated aggregated discountbased on the aggregated discount-applied-at-retailer amount; and furtherwherein the server system adjusts the separately calculated discountsbased on the separate discount-applied-at-retailer amounts.
 7. Themethod of claim 1, further comprising: e) at the server system, changingthe product identifiers associated with the common group identifier fromthe first set of products to a third set of products by transmitting asecond list of promoted products to the retail store system, wherein notall products in the first set of products have product identifiersassociated with the common group identifier in the second list ofpromoted products; wherein a third set of products have productidentifiers that are associated with the common group identifier, and f)at the server system, receiving from the retail store system aftertransmitting the second list of promoted products, a new filtered listof products being purchased in a second transaction at the retail storesystem based on filtering against the second list of promoted products.8. A method of applying discounts against purchases at a retail storecomprising: a) at a retail store system for the retail store, receivingfrom a remote server system a first list of product identifiersassociated with active promotions, the first list of product identifiersidentifying a first set products as being within a first product groupand a second set of products as not being within the first productgroup; b) at the retail store system, reading purchased productidentifiers from products purchased by a customer during a purchasetransaction c) at the retail store system, filtering the purchasedproduct identifiers against the first list of product identifiers tocreate a filtered list of purchased product identifiers; d) at theretail store system, calculating aggregating purchase information forpurchased products within the first product group, including totalmonetary value purchased and total quantity; e) at the retail storesystem, submitting a submission to the remote server system, thesubmission comprising: i) for purchased products within the first set ofproducts, a group identifier and the aggregated purchase informationwithout including within the submission of a listing of all productidentifiers for purchased products within the first product group; ii)for purchased products within the second set of products, productidentifiers for every purchased product along with a monetary valuepurchased and total quantity for that product identifier; wherein thesubmission does not include information about products purchased by thecustomer that were not found in the first list of product identifiers;f) receiving from the remote server system a discount communicationindicating an aggregated discount to be provided for the products in thefirst set of products and separate discounts to be provided forindividual product identifiers for purchased products within the secondset of products; g) applying the discounts identified in the discountcommunication in the purchase transaction for the customer.
 9. Themethod of claim 8, further comprising receiving a second list of productidentifiers associated with active promotions that replaces the firstlist of product identifiers associated with active promotions.
 10. Themethod of claim 9, wherein the second list of product identifiersdefines a third set of products as being within the first product group,wherein not all products in the first set of products are within thefirst product group in the second list of product identifiers; wherein,after receiving the second list of product identifiers, the retail storesystem uses the third set of products to calculate the aggregatedpurchase information for the first product group.
 11. A server systemfor discounting products during a retailer transaction comprising: a) atangible, non-transitory memory; b) a programmable computer processor;c) a network communication interface to communicate with remotecomputing devices over a computerized network; d) a computerizeddatabase within the memory, the database defining a plurality ofpromotions, wherein the promotions are for a first set of productswherein each product is identified by a product identifier and a secondset of products associated with a department identifier; and e)programming instructions within the memory that program the processorto: i) transmit, over the network communication interface and to aretail store system, a list of promoted products comprising the productidentifiers identifying the first set of products and the departmentidentifier identifying the second set of products, ii) receive, over thenetwork communication interface and from the retail store system, a listof purchased products, (1) wherein the list of purchased productsidentifies each product from the first set of products by listing anindividual product identifier, and a quantity purchased and a monetaryvalue for that individual product identifier, and (2) wherein the listof purchased products identifies products from the second set ofproducts by listing the department identifier, and an aggregate quantitypurchased and an aggregate monetary value for all purchased productsassociated with the department identifier, iii) calculate discounts forthe list of purchased products by calculating separate discounts foreach individual product identifier and an aggregate discount for thedepartment identifier listed in the list of purchased products, and iv)transmit, over the network communication interface and to the retailstore system, the calculated aggregated discount and the separatelycalculated discounts.
 12. The server system of claim 11, wherein theprogramming instructions further program the processor to: v) receive,over the network communication interface and from the retail storesystem, a confirmation message that the calculated aggregate discountand the separately calculated discounts were applied by the retail storesystem, and vi) debit at least one payment account for the applieddiscounts identified in the confirmation message.
 13. The server systemof claim 12, wherein the separately calculated discounts for the firstset of products are debited from a first debit account, and wherein theaggregate discount is debited from a second debit account.
 14. Theserver system of claim 13, wherein the first debit account is associatedwith a first sponsor for discounts on the first set of products, andfurther wherein the second debit account is associated with a secondsponsor for the aggregate discount on the second set of products. 15.The server system of claim 14, wherein the second sponsor is an employerthat sponsors a discount on the second set of products for theiremployees.
 16. The server system of claim 15, wherein the departmentidentifier identifies fresh fruits and vegetables.
 17. The server systemof claim 16, wherein the first sponsor is an insurance company providingpromotions for insureds.